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Stocks · Financials · National Commercial Banks

FIRST UNITED CORP/MD/

FUNC Clue Score62
United States Fiscal year ends December CIK 0000763907
$44.16 +2.34% Close, 12 Oct 2026
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Price $44.16 +145.33% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 13 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income7.3Fiscal year 2017Revenue11.8Net income5.3 −27.6%Fiscal year 2018Revenue12.6 +6.5%Net income10.7 +102.4%Fiscal year 2019Revenue13.0 +3.1%Net income13.1 +23.1%EPS, diluted1.85Fiscal year 2020Revenue14.0 +7.8%Net income13.8 +5.4%EPS, diluted1.97 +6.5%Fiscal year 2021Revenue16.1 +14.8%Net income19.8 +42.8%EPS, diluted2.95 +49.7%Fiscal year 2022Revenue16.2 +0.6%Net income25.0 +26.7%EPS, diluted3.76 +27.5%Fiscal year 2023Revenue16.7 +3.2%Net income15.1 −39.9%EPS, diluted2.25 −40.2%Fiscal year 2024Revenue17.7 +6.3%Net income20.6 +36.6%EPS, diluted3.15 +40.0%Fiscal year 2025Revenue18.4 +4.0%Net income24.5 +19.2%EPS, diluted3.77 +19.7%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a 11.8 12.6 13.0 14.0 16.1 16.2 16.7 17.7 18.4
Growth +6.5% +3.1% +7.8% +14.8% +0.6% +3.2% +6.3% +4.0%
Net income 7.3 5.3 10.7 13.1 13.8 19.8 25.0 15.1 20.6 24.5
Growth −27.6% +102.4% +23.1% +5.4% +42.8% +26.7% −39.9% +36.6% +19.2%
EPS, diluted n/a n/a n/a 1.85 1.97 2.95 3.76 2.25 3.15 3.77
Growth +6.5% +49.7% +27.5% −40.2% +40.0% +19.7%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Net margin44.6%Free cash flow margin53.9%Fiscal year 2018Net margin84.8%Free cash flow margin70.0%Fiscal year 2019Net margin101.3%Free cash flow margin95.8%Fiscal year 2020Net margin99.0%Free cash flow margin104.2%Fiscal year 2021Net margin123.1%Free cash flow margin117.7%Fiscal year 2022Net margin155.0%Free cash flow margin142.1%Fiscal year 2023Net margin90.3%Free cash flow margin132.7%Fiscal year 2024Net margin116.1%Free cash flow margin114.9%Fiscal year 2025Net margin133.0%Free cash flow margin83.6%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a 44.6% 84.8% 101.3% 99.0% 123.1% 155.0% 90.3% 116.1% 133.0%
Free cash flow margin n/a 53.9% 70.0% 95.8% 104.2% 117.7% 142.1% 132.7% 114.9% 83.6%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow11.5Capital expenditure−3.9Free cash flow7.6Dividends paid−2.0Fiscal year 2017Operating cash flow12.9Capital expenditure−6.6Free cash flow6.4 −15.9%Dividends paid0.0Fiscal year 2018Operating cash flow18.3Capital expenditure−9.5Free cash flow8.8 +38.5%Dividends paid−1.9Fiscal year 2019Operating cash flow16.4Capital expenditure−4.0Free cash flow12.4 +40.9%Dividends paid−3.1Fiscal year 2020Operating cash flow16.2Capital expenditure−1.6Free cash flow14.6 +17.3%Buybacks−2.8Dividends paid−3.6Fiscal year 2021Operating cash flow20.0Capital expenditure−1.1Free cash flow18.9 +29.7%Buybacks−7.2Dividends paid−3.9Fiscal year 2022Operating cash flow26.5Capital expenditure−3.6Free cash flow23.0 +21.6%Dividends paid−4.0Fiscal year 2023Operating cash flow22.5Capital expenditure−0.4Free cash flow22.1 −3.7%Buybacks−1.5Dividends paid−5.2Fiscal year 2024Operating cash flow22.3Capital expenditure−1.9Free cash flow20.4 −8.0%Buybacks−4.0Dividends paid−5.4Fiscal year 2025Operating cash flow19.4Capital expenditure−4.0Free cash flow15.4 −24.3%Dividends paid−6.0
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 11.5 12.9 18.3 16.4 16.2 20.0 26.5 22.5 22.3 19.4
Capital expenditure −3.9 −6.6 −9.5 −4.0 −1.6 −1.1 −3.6 −0.4 −1.9 −4.0
Free cash flow 7.6 6.4 8.8 12.4 14.6 18.9 23.0 22.1 20.4 15.4
Growth −15.9% +38.5% +40.9% +17.3% +29.7% +21.6% −3.7% −8.0% −24.3%
Buybacks n/a n/a n/a n/a −2.8 −7.2 n/a −1.5 −4.0 n/a
Dividends paid −2.0 0.0 −1.9 −3.1 −3.6 −3.9 −4.0 −5.2 −5.4 −6.0

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash63.3Total debt131.7Net cash (debt)−68.4Shareholders’ equity113.7Debt to equity1.16Fiscal year 2017Cash83.8Total debt120.9Net cash (debt)−37.2Shareholders’ equity108.4Debt to equity1.12Fiscal year 2018Cash23.5Total debt100.9Net cash (debt)−77.4Shareholders’ equity117.1Debt to equity0.86Fiscal year 2019Cash50.0Total debt100.9Net cash (debt)−51.0Shareholders’ equity125.9Debt to equity0.80Fiscal year 2020Cash149.4Total debt100.9Net cash (debt)48.5Shareholders’ equity131.0Debt to equity0.77Fiscal year 2021Cash115.7Total debt30.9Net cash (debt)84.8Shareholders’ equity141.9Debt to equity0.22Fiscal year 2022Cash74.3Total debt30.9Net cash (debt)43.4Shareholders’ equity151.8Debt to equity0.20Fiscal year 2023Cash49.8Total debt110.9Net cash (debt)−61.2Shareholders’ equity161.9Debt to equity0.69Fiscal year 2024Cash78.3Total debt120.9Net cash (debt)−42.6Shareholders’ equity179.3Debt to equity0.67Fiscal year 2025Cash131.6Total debt95.9Net cash (debt)35.7Shareholders’ equity203.6Debt to equity0.47
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 63.3 83.8 23.5 50.0 149.4 115.7 74.3 49.8 78.3 131.6
Total debt 131.7 120.9 100.9 100.9 100.9 30.9 30.9 110.9 120.9 95.9
Net cash (debt) −68.4 −37.2 −77.4 −51.0 48.5 84.8 43.4 −61.2 −42.6 35.7
Shareholders’ equity 113.7 108.4 117.1 125.9 131.0 141.9 151.8 161.9 179.3 203.6
Debt to equity 1.16 1.12 0.86 0.80 0.77 0.22 0.20 0.69 0.67 0.47

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Cash flow

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Operations
11.5 12.9 18.3 16.4 16.2 20.0 26.5 22.5 22.3 19.4
Growth +12.5% +41.6% −10.4% −1.3% +23.8% +32.6% −15.3% −0.8% −13.0%
Investment
−3.9 −6.6 −9.5 −4.0 −1.6 −1.1 −3.6 −0.4 −1.9 −4.0
calc 7.6 6.4 8.8 12.4 14.6 18.9 23.0 22.1 20.4 15.4
Growth −15.9% +38.5% +40.9% +17.3% +29.7% +21.6% −3.7% −8.0% −24.3%
calc n/a n/a n/a 1.75 2.08 2.81 3.45 3.30 3.11 2.37
11.9 −7.7 −113.7 −32.5 −191.3 −28.4 −172.4 −81.7 −38.4 −48.0
Financing
−12.2 15.2 35.2 42.6 274.6 −25.3 104.5 34.7 44.7 81.9
−2.0 0.0 −1.9 −3.1 −3.6 −3.9 −4.0 −5.2 −5.4 −6.0
n/a n/a n/a n/a −2.8 −7.2 n/a −1.5 −4.0 n/a

Lines marked calc are worked out here from filed figures; point at one for how. Capital expenditure, dividends and buybacks are shown as money out, so negative.